One: credit card installment.
As we all know, credit card bills will be reflected in personal credit report. If the cardholder consumes a large number of credit cards within a certain period of time and the bill amount is large, he can apply for bill installment, and divide the bill amount into several or even more than ten installments to reduce personal debt. In addition, borrowers who are in urgent need of funds can also apply for cash installment for short-term emergency.
Move 2: Apply for a mortgage loan
If the borrower has all assets such as real estate and cars in his name, he can apply for a mortgage loan. Loans are obtained by mortgaging these assets to lending institutions. Not only can it improve the chances of loan approval, but it is also easier to obtain a higher loan amount, which can generally reach 80% of the assessed value of collateral. However, it should be noted that if the borrower fails to repay the loan on time, the collateral will be at risk of being punished.
Move 3: Choose a lending institution with a lower threshold.
For example, small loan companies and online lending platforms have much lower thresholds than bank loans. As long as the job and income are stable, even if the credit history is almost the same, you can get the loan smoothly. However, Bian Xiao does not recommend looking for such lending institutions, because although these lending institutions have low thresholds, the corresponding interest and fees will be higher, which will undoubtedly make it easier for friends with higher debts to bear a heavy debt burden.
Move 4: Try to apply for a mobile phone loan.
At present, there are many mobile phone loan products on the market, and some mobile phone loan products have low application thresholds. You only need to submit the corresponding identification materials to apply. Friends who have low requirements for personal debts and high debts can try small loans. However, the amount of mobile phone loan products is generally not high, and the loan cost will be high.